Always-on connectivity has made location irrelevant for thousands of
wired-up workers in the IT industry, but for those looking to climb to
the top of the greasy pole, the best opportunities remain in the big
smoke.
The bulk of the country's juiciest IT roles at telcos,
utilities and major corporates are concentrated in Sydney and Melbourne
and senior spots with IT vendors are mostly based in these centres too.
Chief executive at IT recruiter Peoplebank, Peter Acheson,
said Brisbane, Adelaide, Perth and even Darwin, all offered good
opportunities for IT executives to take on high levels roles within
medium-sized enterprises, but moving up from there can prove more
problematic.
Large CIO opportunities are still thin on the ground outside
Melbourne and Sydney and may be tightly held by those who have snagged
them and made the lifestyle decision to stay put.
Adelaide, for example, has only around 12 major CIO roles, compared with Melbourne and Sydney's hundreds, Acheson said.
Head of change resources at Bendigo and Adelaide Bank Paul
Dewsnap has lived in Adelaid since 2003, after stints in Melbourne,
Sydney and the US. He agreed that senior roles were scarce, especially
in the banking and finance sector, but said the cheaper cost and relaxed
pace of living were compensatory attractions.
"A lot of South Australians return here from working overseas and they return for the lifestyle," Dewsnap said.
Taking an existing opportunity and looking to grow the role
could be a good strategy for IT professionals wanting to stay in the
smaller cities without stymying their careers, he added.
Acheson said a smaller city role could work well for
ambitious types if viewed as a stepping stone to a better long term
position in one of the major centres, rather than as a final
destination.
"You do get to a ceiling in those places."
Veda CIO Tony Kesby agrees. A veteran of the London and US
markets before settling in Sydney, Kesby said taking work in the smaller
cities involved a trade-off between lifestyle and ambition.
"Highly career oriented people will always gravitate to where the action is," Kesby said.
Being in the smaller cities can also mean a disadvantage when
it comes to the sort of regular shoulder rubbing that generates
personal connections and leads to word-of-mouth job opportunities.
Industry events, vendor seminars and CIO roundtables are
almost always held in one of the big two capitals and popping in for a
couple of hours of meeting and greeting isn't possible if you need to
fly in from Perth to do it.
Being Sydney based means being able to get along to around
half the worthwhile events – while CIOs who live out of state would be
lucky to show their face at one in ten, Kesby estimated.
"You make a lot of connections that way quite effortlessly,"
he said. "You're out of the loop to some degree if you're not there. In
this day of virtual connection, there is still something about sitting
around a table – there's nothing better than face to face."
But Melbourne-based managing principal at software vendor SAP
Mitchell Faiman says working the 'virtual room' can deliver many of the
same benefits, for those who are prepared to persevere.
"Networks are virtual by nature and the heart of the action
is a very dynamic thing. One day the action could be in your city and
the next week it is somewhere else. It is up to you to keep your ear to
the ground and connect on a regular basis."
http://www.watoday.com.au/it-pro/business-it/it-jobs-still-stuck-in-sydney-melbourne-20120207-1r31t.html
2012-07-22
2012-07-20
纽西兰：Wikisaver 与破产
KiwiSaver funds can go to creditors
People with a KiwiSaver account who are buying their first home can put some or all of the cash towards it.
I am 28. I have been watching my KiwiSaver fund grow since day one.
I know I cannot access any of the money until I'm 65, but can anyone else? If I become bankrupt, or the like, can the money be taken from me to pay debts? Or is it a fund that will see me through hell and high water and be there in 2048?
If you're lucky in love, money and health, and you don't choose to withdraw money in some other circumstances, it should all be there waiting to finance your cruisy retirement.
However, there are several circumstances in which you or others can take money out of your KiwiSaver account before you reach NZ Super age - which is likely to be older than 65 by the time you get there, but that's another story.
You can withdraw some or all of the money to buy a first home if you don't already own one; if you suffer significant financial hardship or serious illness; or if you leave New Zealand permanently.
If your marriage or similar relationship breaks up, your KiwiSaver account is treated like other savings.
The money is relationship property to the extent it was contributed during the relationship.
A court may order some or possibly all of your KiwiSaver money to be transferred to your former partner, or your partner may get other assets to offset your KiwiSaver account.
And when you die, at whatever age, your KiwiSaver money goes to your estate. It's available to your heirs at that time.
But the issue that's clearly worrying you is bankruptcy. If you go bankrupt, the Official Assignee - who administers bankruptcy - will use your KiwiSaver money to repay your creditors, says Robyn Cox of the Ministry of Economic Development's Insolvency and Trustee Service.
Recently, there's been disagreement between the service and some KiwiSaver providers over whether the money is available for creditors right away or if they have to wait until the KiwiSaver member reaches NZ Super age.
The issue may be tested in court, says Cox.
"We need to clarify it for the sake of bankrupts and creditors."
But that wouldn't make a lot of difference to you. The money in your account would be set aside to pay others sooner or later.
However, after you are discharged from bankruptcy - usually three years after you are declared bankrupt - you get a fresh start. You can contribute new money to KiwiSaver that is all yours in retirement - unless, of course, you go bankrupt again.
Note that the assignee treats money in KiwiSaver no differently from other savings, whether in shares, property or anywhere else. They're all fair game to repay creditors. So this is no reason to put you off KiwiSaver.
http://www.nzherald.co.nz/business/news/article.cfm?c_id=3&objectid=10767049
People with a KiwiSaver account who are buying their first home can put some or all of the cash towards it.
I am 28. I have been watching my KiwiSaver fund grow since day one.
I know I cannot access any of the money until I'm 65, but can anyone else? If I become bankrupt, or the like, can the money be taken from me to pay debts? Or is it a fund that will see me through hell and high water and be there in 2048?
If you're lucky in love, money and health, and you don't choose to withdraw money in some other circumstances, it should all be there waiting to finance your cruisy retirement.
However, there are several circumstances in which you or others can take money out of your KiwiSaver account before you reach NZ Super age - which is likely to be older than 65 by the time you get there, but that's another story.
You can withdraw some or all of the money to buy a first home if you don't already own one; if you suffer significant financial hardship or serious illness; or if you leave New Zealand permanently.
If your marriage or similar relationship breaks up, your KiwiSaver account is treated like other savings.
The money is relationship property to the extent it was contributed during the relationship.
A court may order some or possibly all of your KiwiSaver money to be transferred to your former partner, or your partner may get other assets to offset your KiwiSaver account.
And when you die, at whatever age, your KiwiSaver money goes to your estate. It's available to your heirs at that time.
But the issue that's clearly worrying you is bankruptcy. If you go bankrupt, the Official Assignee - who administers bankruptcy - will use your KiwiSaver money to repay your creditors, says Robyn Cox of the Ministry of Economic Development's Insolvency and Trustee Service.
Recently, there's been disagreement between the service and some KiwiSaver providers over whether the money is available for creditors right away or if they have to wait until the KiwiSaver member reaches NZ Super age.
The issue may be tested in court, says Cox.
"We need to clarify it for the sake of bankrupts and creditors."
But that wouldn't make a lot of difference to you. The money in your account would be set aside to pay others sooner or later.
However, after you are discharged from bankruptcy - usually three years after you are declared bankrupt - you get a fresh start. You can contribute new money to KiwiSaver that is all yours in retirement - unless, of course, you go bankrupt again.
Note that the assignee treats money in KiwiSaver no differently from other savings, whether in shares, property or anywhere else. They're all fair game to repay creditors. So this is no reason to put you off KiwiSaver.
http://www.nzherald.co.nz/business/news/article.cfm?c_id=3&objectid=10767049
2012-07-16
美国：大陆共产党员移民美国的新规定
(dongyue195的博客) 有朋友前几天讲了去年发生的一件真实的事情。在广州的美国领事馆，有个大学的女教师申请签证后，刚拿到批准的那张纸，那
个女签证官轻轻的又问了一句：“你是共产党员吗?”
那个女教师随口答到：是的。那个女签证官马上大声的说：把那张纸还给我。(就是得到批准的纸)。女教师就被拒绝进入美国啦。
美国是一个很反共的国家。但是,依然有大量的中国共产党党员移民到了美国。
根据美国早期的移民法规定，凡是隶属于共产党及其所属组织者，均不得移民美国。在入境之后，如果被发现隶属共产党，将被递解出境。感谢冷战的结束，美国 在90年代修订了移民法案中一些有关共产党员入境及移民的规定。新规定放松了禁止共产党员入境的有关规定。但在I-485的申请表中还是要你申报你是否增 经加入过共产党。
下面还是一个真实的例子
洛杉矶有位华人的父亲去上海领事馆签证，实话告知他是共产党员。结果拒签。他儿子说他笨，过了一阵再去签证，不再说自己是共产党员。居然签出来了。几年后麻烦来了，移民局说他故意隐瞒共产党员身份，要他限期离境。现在朋友正在花钱请律师在移民法庭打官司呢。
他的律师说，其实1990年的移民法令提供了如下几点豁免的途径。
1、16岁以前加入共产党;
2、加入共产党员属非自愿性质，或者说是被迫加入共产党;
3、加入共产党时并非认同党的纲领与政治目标，而是为了改进物质生活;
4、在申请移民美国之前的五年里，已经退党(东欧国家的申请人为两年);
5、申请人的配偶、或子女、或父母、兄弟姐妹为美国公民，或其配偶、子女为美国永久居民。
尽管有这些豁免的途径，共产党员在申请移民美国时，一旦承认自己的共产党员身份，负责审理的美国领事官员依然不会签发移民签证，而会要求申请出具一份中英文对照的声明书，对以下的内容作一说明：
1、您所属于或被迫属于的共产党或其它恐怖党派的名称;
2、您加入该党派的原因;
3、成为该党派一份子的起止日期;
4、所任职务;
5、为何仍是该党派的一份子;
6、成为该党派一份子后所得到的接收教育和生活水平方面的得益;
7、您对该党派的组织结构、最终目标、处事方式、理论实践方面的接受程度;
8、如果您已经退出了该组织的话，说明退出的时间以及理由。
大量的中国共产党党员是如何移民到了美国的? 就是利用了这些豁免的途径。
在提出这份声明之后，美国领事馆会根据声明中的各项说明个别的作出是否能让申请人入境的决定。
从上文可以看出，如果承认自己的共产党员身份，无疑会给申请人申请移民美国带来不小的困惑，而不承认自己的党员身份，不符合美国移民法的规定。
http://www.peacehall.com/forum/201207/yimin/8934.shtml
美国是一个很反共的国家。但是,依然有大量的中国共产党党员移民到了美国。
根据美国早期的移民法规定，凡是隶属于共产党及其所属组织者，均不得移民美国。在入境之后，如果被发现隶属共产党，将被递解出境。感谢冷战的结束，美国 在90年代修订了移民法案中一些有关共产党员入境及移民的规定。新规定放松了禁止共产党员入境的有关规定。但在I-485的申请表中还是要你申报你是否增 经加入过共产党。
下面还是一个真实的例子
洛杉矶有位华人的父亲去上海领事馆签证，实话告知他是共产党员。结果拒签。他儿子说他笨，过了一阵再去签证，不再说自己是共产党员。居然签出来了。几年后麻烦来了，移民局说他故意隐瞒共产党员身份，要他限期离境。现在朋友正在花钱请律师在移民法庭打官司呢。
他的律师说，其实1990年的移民法令提供了如下几点豁免的途径。
1、16岁以前加入共产党;
2、加入共产党员属非自愿性质，或者说是被迫加入共产党;
3、加入共产党时并非认同党的纲领与政治目标，而是为了改进物质生活;
4、在申请移民美国之前的五年里，已经退党(东欧国家的申请人为两年);
5、申请人的配偶、或子女、或父母、兄弟姐妹为美国公民，或其配偶、子女为美国永久居民。
尽管有这些豁免的途径，共产党员在申请移民美国时，一旦承认自己的共产党员身份，负责审理的美国领事官员依然不会签发移民签证，而会要求申请出具一份中英文对照的声明书，对以下的内容作一说明：
1、您所属于或被迫属于的共产党或其它恐怖党派的名称;
2、您加入该党派的原因;
3、成为该党派一份子的起止日期;
4、所任职务;
5、为何仍是该党派的一份子;
6、成为该党派一份子后所得到的接收教育和生活水平方面的得益;
7、您对该党派的组织结构、最终目标、处事方式、理论实践方面的接受程度;
8、如果您已经退出了该组织的话，说明退出的时间以及理由。
大量的中国共产党党员是如何移民到了美国的? 就是利用了这些豁免的途径。
在提出这份声明之后，美国领事馆会根据声明中的各项说明个别的作出是否能让申请人入境的决定。
从上文可以看出，如果承认自己的共产党员身份，无疑会给申请人申请移民美国带来不小的困惑，而不承认自己的党员身份，不符合美国移民法的规定。
http://www.peacehall.com/forum/201207/yimin/8934.shtml
2012-07-15
全球：不付信用卡账单的后果
Deal With Collectors
If you will not pay your account, you will become a delinquent borrower and your account will be handover to the collection agency. Eventually, will send you demand letters, collection calls and notices. After due time, will file case in court in order to compel you to pay the obligation. They may also attach your real property and if the value of the property attached is not sufficient enough (based on their very low assessment) they may include garnishing your wages.
Late payments are added to your credit report as you're 30, 60, 90, 120, and 180 days late. Unfortunately, these late payment notices will make your credit score decrease and could ruin your ability to get a credit card, loan, or even a job. Your insurance rate could also go up based on the credit card delinquencies.
Six months (180 days) after you stop making your credit card payments, your account will be charged-off. With a charge-off, the credit card company benefits (somewhat) not you. A charge-off allows the credit card company to get a tax deduction for your unpaid credit card balance. Meanwhile, you get a serious blemish on your credit report that will stay there for the next seven years alerting everyone that you once defaulted on a credit obligation.
Charge-off accounts are usually sent a collection agency. From there, they get moved from one collection agency to another until they are paid or discharged in bankruptcy. Your original creditor or a third party debt collector can sue you for the debt until it's paid or bankrupted. After a certain amount of time, the statute of limitations can protect you from a lawsuit judgment but the account must be completely inactive for several years and the burden of proof will be on you.
If you can't afford your credit card payments, contact a consumer credit counseling agency who can help you explore your options.
Visit your credit card office and ask them what to do, they are the only people who can help you now. You may ask for postponement of your re-payments with penalties waived. Tell them all your problems and they surely will help you.
Writing a hardship letter to your credit card companies can result in lowered interest rates and lowered payments.
Your credit goes straight to hell, and then you'll get plenty of phone calls you don't want, and letters. If you use your cell phone as your main phone, or if you have caller id, you can pretty much ignore the phone calls, and trash the letters. Or you can tell the companies your situation, and see if they will work with you.
Bad credit--don't let these shills for the CC companies who are answering you mislead you--you can live a pretty good life on bad credit. The creditors just want to know you are trying, not hiding from them.
Amount of debt
A lot depends on the amount of the debt. If it is only several thousand dollars they will sell your account to a collection agency who will start hounding you at home and work. They will also place a negative report with the credit reporting agencies and all future credit will probably be denied for the next seven years.
If it is a substantial amount then you will probably get a letter from an attorney and they will take you to court. When they get a judgment it will be collected in accordance with the laws of your state.
The Option of Bankruptcy
What about the option of filing for bankruptcy? You don’t actually need a lawyer to file for bankruptcy; however, it’s advisable that you do, so the bankruptcy attorney can guide you through this complicated process and try and absolve most of your debt. Bankruptcy could be an option for you, especially if debt is an ongoing situation. Bankruptcy is discouraged for the most part, since it mauls your credit report and marks you for the next seven years. Some tend to think of bankruptcy as an easy way out. Unfortunately, the facts show otherwise.
Recent legislation in congress now states that even if a party files for bankruptcy, that doesn’t necessarily mean that all debts will be forgiven. In 2005, CNN reported that George W. Bush signed a new bankruptcy reform bill that makes it harder for individuals to clear up debts through bankruptcy options, and restores more power to creditors. So, while bankruptcy is an option, it should continue to be seen as a last resort. Unless you have a good bankruptcy lawyer, the odds are stacked against you coming out on top in a bankruptcy situation. The last thing you want is to owe more money after you’ve ruined your credit and filed for Chapter 13!
Wages
Your wages may or may not be able to be garnished. It depends on what state you live in. For example, if you live in Texas, your wages cannot be garnished for anything other than child support.
Bank Accounts
Depending on what state you live in, they can seize your bank accounts. Again, in Texas, they have to first of all win a judgment against you, and then secondly, you have to disclose your bank account and account numbers or be subject to contempt of court. However, according to my attorney, the very day you send back your bank account information, you can then pull out most of your money (leave a small amount in for them to "seize), and then open a new account somewhere else, thus keeping most of your funds.
Property
Any real property that YOU OWN, such as land, houses, business property, and inventory, can have a LIEN put on it, so that if and when you sell that property, the amount of the lien has to be paid off, before you get any money from the sale. Liens are registered at the county or state level.
Clear the Debts
Just remember, every time you make a payment lower than your minimum, even if you've worked it out with the CC companies, you are extending your bad credit countdown.
What I mean by this, is after the CC companies "charge off" your debt, then you have 7 years until it either falls off your credit report, or you write the credit reporting agencies to get it off. But if you keep making late payments, or "agreed" upon payments, you are extending that 7 years of bad credit into a much longer time frame.
Again, this is state by state, so you need to consult with an honest bankruptcy attorney.
I know in my case, the attorney literally advised that I just stop paying.
Future
That is key--don't spend anymore than what you have. Just learn your lesson. Eventually, you'll get offers for "secured" credit cards, where you put in a dollar amount, and your credit is equal to that amount. Then you'll be able to get car loans, albeit at a higher rate. Remember, just have enough money to pay everything off.
Eventually, every mortgage broker in the world will work with you to help you get loans. Bad credit can be overcome, and is not some death penalty sentence that people can make it out to be.
Also, make sure you are aware of any "universal default clauses" that allow other lenders to penalize you for having defaulted on one loan. You would not want one card issuer to raise your interest rate because you did not pay on time some other bill that should be none of their business.
Guilty Feeling
If you're feeling guilty, or if people try to berate you with things like "meeting your obligations," just remember that the CC companies weren't obliged to jack your interest rates to unmanageable terms. They have more than collected what you borrowed from them in interest alone, most likely. Don't feel guilt for corporations that get to run ramshod through this country due to their power.
If you will not pay your account, you will become a delinquent borrower and your account will be handover to the collection agency. Eventually, will send you demand letters, collection calls and notices. After due time, will file case in court in order to compel you to pay the obligation. They may also attach your real property and if the value of the property attached is not sufficient enough (based on their very low assessment) they may include garnishing your wages.
Late payments are added to your credit report as you're 30, 60, 90, 120, and 180 days late. Unfortunately, these late payment notices will make your credit score decrease and could ruin your ability to get a credit card, loan, or even a job. Your insurance rate could also go up based on the credit card delinquencies.
Six months (180 days) after you stop making your credit card payments, your account will be charged-off. With a charge-off, the credit card company benefits (somewhat) not you. A charge-off allows the credit card company to get a tax deduction for your unpaid credit card balance. Meanwhile, you get a serious blemish on your credit report that will stay there for the next seven years alerting everyone that you once defaulted on a credit obligation.
Charge-off accounts are usually sent a collection agency. From there, they get moved from one collection agency to another until they are paid or discharged in bankruptcy. Your original creditor or a third party debt collector can sue you for the debt until it's paid or bankrupted. After a certain amount of time, the statute of limitations can protect you from a lawsuit judgment but the account must be completely inactive for several years and the burden of proof will be on you.
If you can't afford your credit card payments, contact a consumer credit counseling agency who can help you explore your options.
Visit your credit card office and ask them what to do, they are the only people who can help you now. You may ask for postponement of your re-payments with penalties waived. Tell them all your problems and they surely will help you.
Writing a hardship letter to your credit card companies can result in lowered interest rates and lowered payments.
Your credit goes straight to hell, and then you'll get plenty of phone calls you don't want, and letters. If you use your cell phone as your main phone, or if you have caller id, you can pretty much ignore the phone calls, and trash the letters. Or you can tell the companies your situation, and see if they will work with you.
Bad credit--don't let these shills for the CC companies who are answering you mislead you--you can live a pretty good life on bad credit. The creditors just want to know you are trying, not hiding from them.
Amount of debt
A lot depends on the amount of the debt. If it is only several thousand dollars they will sell your account to a collection agency who will start hounding you at home and work. They will also place a negative report with the credit reporting agencies and all future credit will probably be denied for the next seven years.
If it is a substantial amount then you will probably get a letter from an attorney and they will take you to court. When they get a judgment it will be collected in accordance with the laws of your state.
The Option of Bankruptcy
What about the option of filing for bankruptcy? You don’t actually need a lawyer to file for bankruptcy; however, it’s advisable that you do, so the bankruptcy attorney can guide you through this complicated process and try and absolve most of your debt. Bankruptcy could be an option for you, especially if debt is an ongoing situation. Bankruptcy is discouraged for the most part, since it mauls your credit report and marks you for the next seven years. Some tend to think of bankruptcy as an easy way out. Unfortunately, the facts show otherwise.
Recent legislation in congress now states that even if a party files for bankruptcy, that doesn’t necessarily mean that all debts will be forgiven. In 2005, CNN reported that George W. Bush signed a new bankruptcy reform bill that makes it harder for individuals to clear up debts through bankruptcy options, and restores more power to creditors. So, while bankruptcy is an option, it should continue to be seen as a last resort. Unless you have a good bankruptcy lawyer, the odds are stacked against you coming out on top in a bankruptcy situation. The last thing you want is to owe more money after you’ve ruined your credit and filed for Chapter 13!
Wages
Your wages may or may not be able to be garnished. It depends on what state you live in. For example, if you live in Texas, your wages cannot be garnished for anything other than child support.
Bank Accounts
Depending on what state you live in, they can seize your bank accounts. Again, in Texas, they have to first of all win a judgment against you, and then secondly, you have to disclose your bank account and account numbers or be subject to contempt of court. However, according to my attorney, the very day you send back your bank account information, you can then pull out most of your money (leave a small amount in for them to "seize), and then open a new account somewhere else, thus keeping most of your funds.
Property
Any real property that YOU OWN, such as land, houses, business property, and inventory, can have a LIEN put on it, so that if and when you sell that property, the amount of the lien has to be paid off, before you get any money from the sale. Liens are registered at the county or state level.
Clear the Debts
Just remember, every time you make a payment lower than your minimum, even if you've worked it out with the CC companies, you are extending your bad credit countdown.
What I mean by this, is after the CC companies "charge off" your debt, then you have 7 years until it either falls off your credit report, or you write the credit reporting agencies to get it off. But if you keep making late payments, or "agreed" upon payments, you are extending that 7 years of bad credit into a much longer time frame.
Again, this is state by state, so you need to consult with an honest bankruptcy attorney.
I know in my case, the attorney literally advised that I just stop paying.
Future
That is key--don't spend anymore than what you have. Just learn your lesson. Eventually, you'll get offers for "secured" credit cards, where you put in a dollar amount, and your credit is equal to that amount. Then you'll be able to get car loans, albeit at a higher rate. Remember, just have enough money to pay everything off.
Eventually, every mortgage broker in the world will work with you to help you get loans. Bad credit can be overcome, and is not some death penalty sentence that people can make it out to be.
Also, make sure you are aware of any "universal default clauses" that allow other lenders to penalize you for having defaulted on one loan. You would not want one card issuer to raise your interest rate because you did not pay on time some other bill that should be none of their business.
Guilty Feeling
If you're feeling guilty, or if people try to berate you with things like "meeting your obligations," just remember that the CC companies weren't obliged to jack your interest rates to unmanageable terms. They have more than collected what you borrowed from them in interest alone, most likely. Don't feel guilt for corporations that get to run ramshod through this country due to their power.
2012-07-11
纽西兰：Wikisaver 年度日期
Wikisaver 年度截止日期是6月30日。
From 1 July 2011 the Government will pay 50 cents for every dollar of member contribution annually up to a maximum payment of $521.43. This means that you must contribute $1,042.86 annually to qualify for the maximum payment of $521.43.
If you contribute less than $1,042.86 from your pay, you can make voluntary contributions to ensure you receive the full member tax credit payment from the Government.
Work out how much you'll receive at 4%
Work out how much you'll receive at 2%.
When you turn 18, you’ll receive a member tax credit for the number of days in the year (1 July to 30 June) that you are 18.
Your member tax credit does not count as taxable income.
http://www.kiwisaver.govt.nz/new/benefits/mtc/
Member tax credit
To help you save, the Government will make an annual
contribution towards your KiwiSaver account as long as you are a
contributing member aged 18 or over.
Who gets the member tax credit
The member tax credit will be paid each year (around July/August) to members of a KiwiSaver scheme or a complying fund until you’re eligible to withdraw your savings, provided:- you’re 18 or over, and
-
you mainly reside in New Zealand except for:
- a government employee who's serving outside New Zealand, or
-
a person who's working overseas:
- as a volunteer, or for token payment, for a charitable organisation named in the Student Loan Act regulations, and
- the work meets one or more of the requirements set out in the Student Loan Schemes Act 1992.
How much member tax credit you can get
The maximum annual member tax credit you are entitled to is:- $1,042.86 for periods up to and including 30 June 2011
- $521.43 from 1 July 2011 onwards.
From 1 July 2011 the Government will pay 50 cents for every dollar of member contribution annually up to a maximum payment of $521.43. This means that you must contribute $1,042.86 annually to qualify for the maximum payment of $521.43.
If you contribute less than $1,042.86 from your pay, you can make voluntary contributions to ensure you receive the full member tax credit payment from the Government.
Work out how much you'll receive at 4%
Work out how much you'll receive at 2%.
Joining part-way through a year
If you join KiwiSaver part-way through a year (1 July to 30 June), you’ll receive a member tax credit based on the number of days in the year you’ve been a member.When you turn 18, you’ll receive a member tax credit for the number of days in the year (1 July to 30 June) that you are 18.
When member tax credit is paid
Your KiwiSaver provider will claim the tax credit on your behalf after 1 July each year. You don’t have to do anything. Your member tax credit will appear in your KiwiSaver account within a month of your provider making the claim.Your member tax credit does not count as taxable income.
Member tax credit entitlement for a full year of membership periods up to and including 30 June 2011
| If your income is... | then your annual contribution at 4% is... | MTC entitlement | and if you make the voluntary contribution to reach $1,042.86 is | MTC entitlement |
|---|---|---|---|---|
| $15,000 | $600 | $600 | $442.86 | $1,042.86 |
| $26,000 | $1040 | $1040 | $2.86 | $1,042.86 |
| $35,000 | $1400 | $1042.86 | $0 | $1,042.86 |
Member tax credit entitlement for a full year of membership from 1 July 2011
| If your income is... | your annual contribution at 4% is... | MTC entitlement | and the voluntary contribution to reach $1042.86 is | MTC entitlement |
|---|---|---|---|---|
| $15,000 | $600 | $300 | $442.86 | $521.43 |
| $26,000 | $1040 | $520 | $2.86 | $521.43 |
| $35,000 | $1400 | $521.43 | $0 | $521.43 |
Member tax credit entitlement for a full year of membership periods up to and including 30 June 2011
| If your income is... | then your annual contribution at 2% is... | MTC entitlement | and if you make the voluntary contribution to reach $1,042.86 is | MTC entitlement |
|---|---|---|---|---|
| $15,000 | $300 | $300 | $742.86 | $1,042.86 |
| $26,000 | $520 | $520 | $522.86 | $1,042.86 |
| $35,000 | $700 | $700 | $342.86 | $1,042.86 |
| $45,000 | $900 | $900 | $142.86 | $1,042.86 |
| $52,000 | $1,040 | $1,040 | $2.86 | $1,042.86 |
Member tax credit entitlement for a full year of membership from 1 July 2011
| If your income is... | your annual contribution at 2% is... | MTC entitlement | and the voluntary contribution to reach $1042.86 is | MTC entitlement |
|---|---|---|---|---|
| $15,000 | $300 | $150 | $742.86 | $521.43 |
| $26,000 | $520 | $260 | $522.86 | $521.43 |
| $35,000 | $700 | $350 | $342.86 | $521.43 |
| $45,000 | $900 | $450 | $142.86 | $521.43 |
| $52,000 | $1,040 | $520 | $2.86 | $521.43 |
http://www.kiwisaver.govt.nz/new/benefits/mtc/
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